KINLEIGH FINANCIAL SERVICES LIMITED
🌳Matureactive
02701285 · ltd · incorporated 1992-03-27
Investment thesis
Established operating company — standard diligence applies, no dominant angle.
Why interesting: Live, filing, normal profile.
Why risky: No standout signals in either direction.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 30.7y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
£1.60M
year to Jan 2025
Net worth
—
book net assets
Opportunity
72/100
Strong
What this business does
Primary activity: Other activities auxiliary to financial services, except insurance and pension funding
Sector: Financial & insurance
Investor take
PursueStrong opportunity: conservative operator with strong profile and bankable structure.
Opportunity 72/100 (strong), bankability 85/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Broaden director team. Sole director creates succession risk and reduces buyer comfort. Appoint a second director or strong #2. Most likely exit: strategic trade sale (80/100).
🏦
Refinance opportunity
3 live charges · 2 lenders · oldest 30.7y
80/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 30.7 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 23/100 — clean.
- · Profitable and stable/growing — lender coverage supportable.
Data confidence
Overall: medium (74/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Company profile
address, 1 SIC codes, incorporation date
100
Financials
1 year of iXBRL accounts extracted (no YoY comparison) + narrative notes parsed
50
Lenders & charges
3 charges (3/3 with lender, 3/3 with type)
90
Directors & officers
14 officers (1 active, 14 linked, 9 with DOB)
83
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
10 connected companies via shared directors
75
Filing history
118 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
🔒Estimated company valuation
Sector-multiple EBITDA, turnover, and NAV-proxy valuation range with confidence tier — derived from extracted iXBRL financials.
Available from the Pro tier upwards.
See pricing →Opportunity Score
72/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
55
Some acquirability indicators.
Risk profile
74
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · FRS 102Profitable
Profit before tax £859,406
Key financials
1 year extracted from filed iXBRL accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-01-31 |
|---|---|
| Turnover | £1.60M |
| Operating profit | £859.4k |
| Profit before tax | £859.4k |
| Average employees | 2100 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
3 signals detected in this company's narrative notes — going-concern language, audit opinion, contingent liabilities, related-party transactions.
Available from the Pro tier upwards.
See pricing →Recent activity
Last 30 days
0
filings
Last 90 days
1
filing
- • 1 confirmation-statement
Last 180 days
10
filings
- • 4 officers
- • 2 persons-with-significant-control
- • 2 address
Counts from Companies House filing history.
Corporate timeline (56 events)Click to expand
- 2025-12-16📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2025-12-16📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-12-16📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-12-16📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-12-16📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-12-16📄change-account-reference-date-company-current-shortenedaccounts · AA01
- 2025-12-16📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2025-12-16📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-12-16📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-12-03➕MCGRAIL, Ian Robert appointeddirector
- 2025-12-03➖ENNIS, John Alexander resigneddirector
- 2025-12-03➖JONES, Lucy Charlotte resigneddirector
- 2025-12-03➖WATTS, Lee Thomas resigneddirector
- 2025-10-30📄accounts-with-accounts-type-fullaccounts · AA
- 2025-09-26📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-09-26🔓Charge satisfied #2
- 2025-09-25📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-09-25🔓Charge satisfied #3
- 2025-06-18📄change-account-reference-date-company-previous-extendedaccounts · AA01
- 2025-04-30➖JOHNSON, Robin Hardy resigneddirector
- 2025-04-30📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-02-07📄resolutionresolution · RESOLUTIONS
- 2025-02-07📄memorandum-articlesincorporation · MA
- 2025-01-31➖ALLERTON, Kevin Paul resignedsecretary
- 2025-01-31➕ENNIS, John Alexander appointeddirector
- 2025-01-31➕JONES, Lucy Charlotte appointeddirector
- 2025-01-31📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-01-31📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-01-31📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2025-01-31📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2024-10-06📄accounts-with-accounts-type-smallaccounts · AA
- 2023-10-05📄accounts-with-accounts-type-smallaccounts · AA
- 2015-07-09➕JOHNSON, Robin Hardy appointeddirector
- 2015-05-31➖PHILLIPS, John resigneddirector
- 2003-04-14🔒Charge registered #3Lender: Lloyds Tsb Bank PLC
- 2003-04-14🔒Charge registered #2Lender: Lloyds Tsb Bank PLC
- 2002-04-08➖TOWNEND, Andrew David resigneddirector
- 2001-03-09🔓Charge satisfied #1
- 1999-04-12➖BARNES, Annabel resigneddirector
- 1998-11-26➕ALLERTON, Kevin Paul appointedsecretary
- 1998-11-26➖TOWNEND, Andrew David resignedsecretary
- 1998-11-26➕BARNES, Annabel appointeddirector
- 1998-11-26➕PHILLIPS, John appointeddirector
- 1995-09-16🔒Charge registered #1Lender: Winterthur Life UK Limited
- 1993-09-28➖GRAY, Richard John resignedsecretary
- 1993-09-28➕TOWNEND, Andrew David appointedsecretary
- 1993-09-28➖GRAY, Richard John resigneddirector
- 1992-03-27🏢Company incorporatedAs KINLEIGH FINANCIAL SERVICES LIMITED
- 1992-03-27➕GRAY, Richard John appointedsecretary
- 1992-03-27➕MBC SECRETARIES LIMITED appointedcorporate-nominee-secretary
Showing most recent 50 of 56 events
Owner dependency
75/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Sole director: Only one active director — all governance concentrated on one person.
Succession & seller-readiness
45/100
Moderate signalSome succession indicators present. Worth watching; approach if sector/strategy fits.
SIGNALS
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
Red flags
1 med · 1 low3 director resignations in last 12 months
mediumMultiple recent departures can indicate governance disagreement, succession event, or preparation for sale/stress.
Evidence: ENNIS, John Alexander resigned 2025-12-03; JONES, Lucy Charlotte resigned 2025-12-03; WATTS, Lee Thomas resigned 2025-12-03
Multiple registered office changes
lowMultiple address changes in a short period can indicate operational instability or admin disorder.
Group structure
First Mortgage Direct Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
First Mortgage Direct Limited
Corporate parent · holds 75-100% shares · board control
⬇
KINLEIGH FINANCIAL SERVICES LIMITED
This company · 02701285
Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
First Mortgage Direct Limited Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 03/12/2025 |
1 historic (ceased) PSC
- Kinleigh Limitedceased 03/12/2025· 75-100% shares
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
🔒Co-director network graph
Radial SVG graph showing every company connected via shared directors, colour-coded by status.
Available from the Pro tier upwards.
See pricing →Similar companies
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|---|---|---|---|---|---|---|---|
| 87KJ CAPITAL LIMITED→ 14781673 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| AHP INVESTMENTS LIMITED→ 13471459 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| AJC CONSULTANTS LIMITED→ 05499872 · est 2005 · no financials extracted | — | — | — | — | 20y | — | — |
| ALISON GREGORY WEALTH MANAGEMENT LIMITED→ 09088812 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
| ALPINE ACCIDENT CLAIMS LIMITED→ 05120517 · est 2004 · no financials extracted | — | — | — | — | 21y | — | — |
| AMS DERBYSHIRE LTD→ 11845897 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
| AMZA CORPORATION LIMITED→ 02940055 · est 1994 · no financials extracted | — | — | — | — | 31y | — | — |
| APERTA FINANCE LIMITED→ 16867573 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| APLUX PROPERTIES LIMITED→ 16680449 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| APR MONEY LTD→ 10865439 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| ARISTOTLE FINANCIAL PLANNING LTD→ 10916254 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| ARLINGTON GP LIMITED→ 11529275 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
7 specific questions generated from this company's actual signals — liquidity, leverage, director age, charge count, red flags, age-of-company.
Available from the Pro tier upwards.
See pricing →🔒Advanced scoring suite
Exit-route ranking, improvement thesis, quiet-distress detector, covenant-pressure proxy, extraction monitor, approaching triggers, ownership drift, local cluster, value trap, debt capacity, archetype classification — 48+ scoring modules.
Available from the Pro tier upwards.
See pricing →Company details
Statusactive
Typeltd
Incorporated1992-03-27
Jurisdictionengland-wales
Primary SIC66190 — Other activities auxiliary to financial services, except insurance and pension funding
Registered office
Capital House Pride Place
Pride Park
Derby
DE24 8QR
United Kingdom
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2025-01-31
Confirmation statement
Next due: 2027-04-10
Last: 2026-03-27
Officers (1 active · 13 resigned)
MCGRAIL, Ian Robert→
Activedirector · ~47y · appointed 2025-12-03
View their other companies + combined net worth →
ALLERTON, Kevin Paul→
Resignedsecretary · appointed 1998-11-26 · resigned 2025-01-31
GRAY, Richard John→
Resignedsecretary · appointed 1992-03-27 · resigned 1993-09-28
TOWNEND, Andrew David→
Resignedsecretary · appointed 1993-09-28 · resigned 1998-11-26
MBC SECRETARIES LIMITED→
Resignedcorporate-nominee-secretary · appointed 1992-03-27 · resigned 1992-03-27
BARNES, Annabel→
Resigneddirector · ~61y · appointed 1998-11-26 · resigned 1999-04-12
ENNIS, John Alexander→
Resigneddirector · ~53y · appointed 2025-01-31 · resigned 2025-12-03
GRAY, Richard John→
Resigneddirector · ~74y · appointed 1992-03-27 · resigned 1993-09-28
JOHNSON, Robin Hardy→
Resigneddirector · ~67y · appointed 2015-07-09 · resigned 2025-04-30
JONES, Lucy Charlotte→
Resigneddirector · ~54y · appointed 2025-01-31 · resigned 2025-12-03
PHILLIPS, John→
Resigneddirector · ~63y · appointed 1998-11-26 · resigned 2015-05-31
TOWNEND, Andrew David→
Resigneddirector · ~70y · appointed 1992-03-27 · resigned 2002-04-08
WATTS, Lee Thomas→
Resigneddirector · ~72y · appointed 1992-03-27 · resigned 2025-12-03
MBC NOMINEES LIMITED→
Resignedcorporate-nominee-director · appointed 1992-03-27 · resigned 1992-03-27
Click a director name to see their full track record across all companies.
Mortgages & charges
3
Total charges
0
Outstanding
0
Active lenders
Status:Lender:3 of 3 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | An omnibus guarantee and set-off agreement | 1 property | 14/04/2003 | 25/09/2025 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | Debenture | 1 property | 14/04/2003 | 26/09/2025 | |
| satisfied | Winterthur Life UK Winterthur Life UK Limited | Debenture | 1 property | 16/09/1995 | 09/03/2001 |
Recent filings (118 total)
confirmation-statement-with-updates
confirmation-statement · CS01
2026-04-10
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2025-12-16
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-12-16
termination-director-company-with-name-termination-date
officers · TM01
2025-12-16
termination-director-company-with-name-termination-date
officers · TM01
2025-12-16
termination-director-company-with-name-termination-date
officers · TM01
2025-12-16
change-account-reference-date-company-current-shortened
accounts · AA01
2025-12-16
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2025-12-16
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-12-16
appoint-person-director-company-with-name-date
officers · AP01
2025-12-16
accounts-with-accounts-type-full
accounts · AA
2025-10-30
mortgage-satisfy-charge-full
mortgage · MR04
2025-09-26
mortgage-satisfy-charge-full
mortgage · MR04
2025-09-25
change-account-reference-date-company-previous-extended
accounts · AA01
2025-06-18
termination-director-company-with-name-termination-date
officers · TM01
2025-04-30